A customer with a d/b/a sole proprietorship owns two autos covered by a BAP written with Symbols 7, 8, and 9. She drives one, largely on business, and her retired husband drives the other. You have a chance to bid on her insurance and note that she does not have the DOC endorsement. When you bring it up, she tells you her current agent says they don’t need it and symbols 7, 8, and 9 give her “full coverage.” Is that true?

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